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The price of your car insurance depends on many factors. These factors include your age, where you live, the type of car you drive, your driving history and the level of coverage you choose. But did you know that your job title also influences your salary?

Car insurance comparison site Go compare did a study on the most expensive and cheapest job titles for car insurance. The study shows that fast food delivery drivers and taxi drivers face some of the highest car insurance premiums, while retired drivers and occupational therapists pay some of the lowest.

Read on to find out what other professionals pay on average for their insurance premiums. I’m also going to tell you about a job title “trick” you can use that might lower your premium.

What are the most expensive job titles for car insurance?

According to Go Compare, fast food delivery people face the most expensive car insurance premiums in the UK. People in this profession pay an average of £1,369.27 a year for car insurance.

In second place are taxi drivers, whose average insurance premium is £1,010 a year.

Ryan Fulthorpe, Go Compare’s auto insurance spokesperson, says it’s no surprise that these two top the list of most expensive auto insurance job titles. Fast food delivery people and taxi drivers spend their working lives on the road, which means they are understandably considered riskier by insurers.

The next two professions on the list, however, are a bit surprising as they are roles that are not generally considered risky. They are librarians and merchants. The costs for these two job titles are £949 and £919 per year respectively.

Couriers round out the list of the five most expensive job titles for car insurance at £908.88 a year.

Here is the complete list of the 10 most expensive job titles for car insurance:

Occupation

Average premium

Fast food delivery driver

€1,369.27

Taxi driver

€1,010.14

Librarian

£949.08

Trader

€919.03

Mail

£908.88

computer operator

£908.02

picker

£893. 54

cafe owner

£893.29

delivery courier

£890.83

Hairdresser

£878.64

What are the cheapest job titles for car insurance?

At the other end of the scale, retired drivers pay the cheapest car insurance premiums in the country, with an average annual cost of £395.18.

Next come occupational therapists, who pay £460.09 a year, and researchers, who pay £469.72.

Credit checkers and local government officers complete the list of the five cheapest job titles for car insurance, paying £477.89 and £482.79 respectively.

Other job titles with relatively cheap premiums are:

  • Desk Officer – £483.34
  • Scientist – £486.81
  • University Professor – £487.98
  • Quality Engineer – £489.66
  • Nursery Worker – £490.63

How can drivers in the most expensive professions lower their premiums?

Obviously, your job title can have a big influence on your car insurance quote.

If you’re in one of the most expensive positions in auto insurance, there’s an opportunity to cut your costs without embarking on a whole new career. You can do this by changing the wording of your job title during the application process.

Fulthorpe says, “If you’re getting a quote for your auto insurance, it’s worth looking at the wording of your job title to see if you can save money on your premiums.”

In other words, try to put an alternate job title that still fits your role, but might have a lower premium. For example, instead of saying “chef”, you can say “caterer” or “kitchen worker”. And instead of a journalist, you say you’re a “writer.”

Needless to say, any change to your job title should be reasonable. Don’t say, for example, that you’re “retired” when you’re actually a fast-food delivery driver. This could void your auto insurance policy and lead to insurance fraud charges.

At the end of the day, the best way to save money on your car insurance is to compare purchases. To make it easier for you, Motley Fool has compiled a list of top-rated websites that you can use to compare car insurance and find the best possible deal for your needs.

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